Jilly Sells
Miami
United Realty Group
Isis De La Torre | FL Lic. #SL3429142 | REALTOR®
Fluent in both Spanish and English, Jilly brings years of specialized experience in real estate administration and processing mortgage transactions to her work. She leads you with kindness and warmth through every step of your Miami real estate journey, ensuring you are supported and informed by her professional expertise and steadfast approach at every turn.
Your Miami Home Journey
Navigating the Miami market is easy when you know the steps. From initial pre-approval to the crucial escrow phase, we’re here to clear the path for your first-time purchase.
01. Get Pre-Approved
Understand your budget with a local lender to move quickly when you find the right spot.
02. Find Your Home
Search neighborhoods from Brickell to the Gables to find your perfect Miami match.
03. Escrow & Inspection
We secure your deposit and ensure the home is sound through detailed inspections.
04. Closing Day
A simple signing afternoon to finalize papers, hand over the keys, and welcome you home.
How Much Do I Actually Need to Buy?
Down Payment
The initial investment to secure your loan. For first-time buyers, this can commonly range from 3% to 20% of the price.
Closing Costs
Budget 2% to 5% for professional fees, recording taxes, and prepaid insurance required to finalize the deed.
Escrow Deposit
Also known as "Earnest Money." This deposit shows the seller you’re serious and is held until closing day. (This is included in the Contract as part of the offer)
Inspection
Your safeguard. A thorough check-up of the structure and home systems to avoid any surprises post-purchase.
Appraisal
The lender’s confirmation. It ensures the market value justifies the amount you’re borrowing from the bank.
Miami Lakes
Known for its scenic tree-lined streets and unique parks, this area offers an incredible community feel and top-tier schools for families.
Miami Neighborhoods for Families
Discover the most welcoming areas for your family to grow. From top-rated schools to lush local parks, these neighborhoods define the best of Miami living.
Doral
A thriving family hub featuring world-class golf courses, modern parks, and a strong community spirit with great value in housing.
Kendall
Offers a blend of suburban comfort and urban convenience with large family yards and proximity to great parks like Tropical Park.
Coral Gables
Known for its tree-lined streets, historic charm, walkability, and strong schools for families.
Answers to Your Questions
Miami Buyer FAQs
Best neighborhoods for families?
Miami is rich in family-friendly pockets. Coral Gables offers historic charm, Doral features modern parks, and Miami Lakes is famous for its quiet streets and excellent community feel.
How competitive is the Miami market?
It's very dynamic! Well-priced homes move quickly, often receiving multiple offers. Being prepared with a strong pre-approval and local expertise is key to winning your dream home.
Typical closing timeline?
Generally, expect 35 to 45 days from an accepted offer to holding your keys. Cash deals can move much faster, often closing in as little as two weeks if inspections are clear.
What do I need for pre-approval?
You’ll typically need two years of tax returns, recent pay stubs, bank statements, and a decent credit history to start the process with a lender and know your budget.
How much cash upfront?
Beyond your down payment, budget 2-5% for closing costs and a bit extra for professional inspections and appraisal fees required to finalize your home loan.
What is an escrow deposit?
Also known as 'Earnest Money,' it's a deposit made into a neutral account to show the seller you're serious. It's eventually credited toward your purchase price at closing.
Still have questions about the Miami market?
I am here to help you every step of the way. Send me a message today for personalized guidance.